+91-22-48913909SIP Vs FD
Which is a Better Investment Option?
Individuals are always in a catch 22 situation when it comes to choosing between FD and SIP for investment. SIP is a mode of investment in Mutual Funds through which individuals can deposit small amounts at regular intervals. FD, on the other hand, is an investment avenue where people deposit a certain amount for a fixed tenure and get back the amount with interest during maturity. So, let us understand which is better between FD and SIP, SIP return calculator, Top SIP to invest, and much more.
What is a Systematic Investment Plan or SIP?
Systematic Investment plan or SIP is an investment mode in Mutual Funds which allows people to deposit small amount at regular intervals. SIP can also be referred to as a goal-based investment. SIP is one of the beauties of Mutual Funds through which people can invest as per their convenience. Through SIP people can plan to achieve many objectives like purchasing a house, purchasing a vehicle, planning for higher education, and much more. Though SIP mode of investment is available in many schemes, however, it is generally referred in the context of Equity Funds.
People can start their SIP investment with the amount as low as INR 500.
What is a Fixed Deposit or FD?
Fixed Deposit of FD refers to an investment avenue which is generally offered by banks and Post Office. In case of FD, people need to deposit a considerable amount as a one-time payment for a fixed time frame. Here, people get back their investment amount at the end of the tenure. However, people cannot break the FD during the tenure and if they try to break they need to pay some charges to the Bank. The FD income earns interest on the investment. This interest income earned is taxable in the hands of investors.
Which One to Choose?
Since SIP is an investment mode in Mutual Funds while FD is an investment avenue it itself; both of them show different characteristics. So, let us understand the differences between both of them.
Minimum Investment
The minimum investment in Mutual Funds through SIP mode of investment starts with INR 500. Therefore, it can be ensured that it does not pinch people’s pockets much. Moreover, the frequency of SIP can also be set as monthly or quarterly as per people’s convenience. On the other hand, in FD the minimum investment amount ranges between INR 1,000-10,0000. Since FD investment is through lump sum mode, therefore, people do not keep on Investing the amount.
Tenure
FDs being a traditional investment avenue are considered for both short-term and long-term investment. The tenure of FD can be 6 months, 1 year and can go up to 5 years. On the contrary, SIP is generally chosen for long-term investment. Since SIP is generally referred in the context of equity funds, the long-term investment would help you to earn maximum revenues. In addition, people can enjoy maximum benefits if they are held longer.
Returns
The returns on FD is fixed in the form of interest which does not change over a period of time. For the Financial Year 2017-18, the FD rates range between 6%-7% approximately if the investment is kept for one year. On the contrary, in case of SIP, the returns are not fixed as the returns are dependent on the performance of the underlying equity shares. However, if the Mutual Funds are held for a period of more than five years have given historical returns of more than 15%.
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Risk Appetite
The risk-appetite of FD is considered to be less as compared to SIP. FDs are generally offered by banks. On the other hand, the risk appetite of SIP is more than the FD. However, if the SIP is held for a longer-tenure, the probabilities of loss reduces.
Liquidity
The liquidity in case of SIP is more as compared to FD. In case of SIP, if people redeem their investment they can get the money back in T+3 days for equity funds. However, in case of debt funds, the settlement period is T+1 days. However, in case of fixed deposits, it is not easy to redeem it. Even if people try for premature withdrawals, they need to pay some charges to the bank.
Taxation
The taxation rules in case of Mutual Funds and FDs both are different. In case of FDs, for the Financial year 2017-18, the interest earned is charged as per the individual’s regular tax slabs. However, as SIP is generally with respect to equity funds, therefore the tax rules related to equity funds are explained as follows.
For the Financial Year 2017-18, if the equity funds are sold after one year from the date of purchase, they are applicable for long-term Capital Gains which is not taxable. However, if these funds are sold before one year from the date of purchase then; it is subject to short-term capital gain which is charged at a flat rate of 15% irrespective of the individual’s tax slab.
Characteristics
SIP has a lot of features such as rupee cost averaging, the Power of Compounding, and so on, which is not available in case of an FD. So, let us see what do these characteristics mean.
1. Rupee Cost Averaging
In case of SIP, people invest in Mutual Fund units at regular time periods when the markets are showing different price behaviour. Therefore, when the markets are showing a downtrend, people can purchase more units and vice versa. Therefore, the purchase price of units gets averaged out due to SIP. However, in case of FD, this feature is not available as the amount is deposited for only one time.
2. Power of Compounding
SIP is applicable to compounding. Compounding refers to the compound interest where the interest amount is calculated on the principal amount and already accumulated interest. In case of FD, the interest amount is also subject to compounding.
3. Disciplined Savings Habit
SIP develops disciplined savings habit among individuals as people need to deposit money at regular intervals. On the contrary, in FD as people deposit the money only once, they may or may not develop a disciplined savings habit.
The table given below summarizes the differences between SIP and Fixed Deposits.
| Parameters | SIP | Fixed Deposits |
|---|---|---|
| Returns | Varies as per the Fund’s performance | Predetermined |
| Minimum Investment | Starts from INR 500 | Ranges between INR 1,000 – 10,000 |
| Tenure | Generally used for long-term | Both Short and Long-term tenure |
| Risk | High | Low |
| Liquidity | High | Low |
| Taxation | Short-term: Taxed at a Flat Rate of 15% Long-term: Not Taxed | Taxed as per individual’s slab rates |
| Features | Rupee Cost Averaging, Power of Compounding, & Disciplined Savings Habit | Power of Compounding |
Fund Selection Methodology used to find 5 funds
Best SIP to Invest for FY 26 - 27
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) DSP Natural Resources and New Energy Fund Growth ₹112.557
↑ 0.15 ₹2,343 500 2.2 17.7 27.2 24.8 17.9 17.5 Aditya Birla Sun Life Small Cap Fund Growth ₹91.2669
↓ -0.48 ₹5,253 1,000 8.6 5.6 8.8 17.7 13.9 -3.7 Invesco India Growth Opportunities Fund Growth ₹100.38
↓ -1.08 ₹9,761 100 2.2 -3.3 5.5 22.4 17.1 4.7 Franklin Build India Fund Growth ₹144.114
↓ -2.15 ₹3,214 500 -3.1 -0.5 3.9 24.1 21.3 3.7 Kotak Equity Opportunities Fund Growth ₹337.59
↓ -5.45 ₹30,251 1,000 -5.1 -4.7 1.5 15.6 14.5 5.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 May 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP Natural Resources and New Energy Fund Aditya Birla Sun Life Small Cap Fund Invesco India Growth Opportunities Fund Franklin Build India Fund Kotak Equity Opportunities Fund Point 1 Bottom quartile AUM (₹2,343 Cr). Lower mid AUM (₹5,253 Cr). Upper mid AUM (₹9,761 Cr). Bottom quartile AUM (₹3,214 Cr). Highest AUM (₹30,251 Cr). Point 2 Established history (18+ yrs). Established history (19+ yrs). Established history (18+ yrs). Established history (16+ yrs). Oldest track record among peers (21 yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 17.91% (upper mid). 5Y return: 13.92% (bottom quartile). 5Y return: 17.07% (lower mid). 5Y return: 21.29% (top quartile). 5Y return: 14.54% (bottom quartile). Point 6 3Y return: 24.83% (top quartile). 3Y return: 17.73% (bottom quartile). 3Y return: 22.36% (lower mid). 3Y return: 24.07% (upper mid). 3Y return: 15.59% (bottom quartile). Point 7 1Y return: 27.21% (top quartile). 1Y return: 8.84% (upper mid). 1Y return: 5.51% (lower mid). 1Y return: 3.90% (bottom quartile). 1Y return: 1.46% (bottom quartile). Point 8 Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 2.57 (top quartile). Alpha: 0.00 (bottom quartile). Alpha: 1.08 (upper mid). Point 9 Sharpe: 1.74 (top quartile). Sharpe: 0.46 (upper mid). Sharpe: 0.23 (bottom quartile). Sharpe: 0.37 (lower mid). Sharpe: 0.18 (bottom quartile). Point 10 Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.83 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: -0.17 (bottom quartile). DSP Natural Resources and New Energy Fund
Aditya Birla Sun Life Small Cap Fund
Invesco India Growth Opportunities Fund
Franklin Build India Fund
Kotak Equity Opportunities Fund
To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes. Below is the key information for DSP Natural Resources and New Energy Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Small & Midcap Fund) An Open ended Small and Mid Cap Equity Scheme with an objective to generate consistent long-term capital appreciation by investing predominantly in equity and equity related securities of companies considered to be small and midcap. The Scheme may also invest a certain portion of its corpus in fixed income securities including money market instruments, in order to meet liquidity requirements from time to time. Research Highlights for Aditya Birla Sun Life Small Cap Fund Below is the key information for Aditya Birla Sun Life Small Cap Fund Returns up to 1 year are on (Erstwhile Invesco India Growth Fund) The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved. Research Highlights for Invesco India Growth Opportunities Fund Below is the key information for Invesco India Growth Opportunities Fund Returns up to 1 year are on The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities. Research Highlights for Franklin Build India Fund Below is the key information for Franklin Build India Fund Returns up to 1 year are on (Erstwhile Kotak Opportunities Scheme) To generate capital appreciation from a diversified portfolio of equity and equity
related securities. However, there is no assurance that the objective of the scheme will be realized. Research Highlights for Kotak Equity Opportunities Fund Below is the key information for Kotak Equity Opportunities Fund Returns up to 1 year are on 1. DSP Natural Resources and New Energy Fund
DSP Natural Resources and New Energy Fund
Growth Launch Date 25 Apr 08 NAV (27 May 26) ₹112.557 ↑ 0.15 (0.13 %) Net Assets (Cr) ₹2,343 on 30 Apr 26 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 1.99 Sharpe Ratio 1.74 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹11,908 30 Apr 23 ₹12,255 30 Apr 24 ₹18,431 30 Apr 25 ₹17,579 30 Apr 26 ₹23,385 Returns for DSP Natural Resources and New Energy Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 May 26 Duration Returns 1 Month 0.5% 3 Month 2.2% 6 Month 17.7% 1 Year 27.2% 3 Year 24.8% 5 Year 17.9% 10 Year 15 Year Since launch 14.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 17.5% 2024 13.9% 2023 31.2% 2022 9.8% 2021 42.8% 2020 11.5% 2019 4.4% 2018 -15.3% 2017 43.1% 2016 43.1% Fund Manager information for DSP Natural Resources and New Energy Fund
Name Since Tenure Rohit Singhania 1 Jul 12 13.84 Yr. Data below for DSP Natural Resources and New Energy Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Energy 40.61% Basic Materials 32.04% Utility 5.84% Industrials 1.43% Technology 0.97% Consumer Cyclical 0.12% Asset Allocation
Asset Class Value Cash 18.99% Equity 81.01% Debt 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Energy I2
Investment Fund | -12% ₹244 Cr 602,478 Tata Steel Ltd (Basic Materials)
Equity, Since 31 Aug 16 | TATASTEEL8% ₹169 Cr 8,808,711 Jindal Steel Ltd (Basic Materials)
Equity, Since 31 Mar 20 | 5322868% ₹168 Cr 1,511,761 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 5003128% ₹168 Cr 5,905,732 Oil India Ltd (Energy)
Equity, Since 29 Feb 24 | OIL5% ₹105 Cr 2,214,812
↑ 413,000 Petronet LNG Ltd (Energy)
Equity, Since 31 Jan 18 | 5325224% ₹86 Cr 3,461,007 BGF Sustainable Energy I2
Investment Fund | -4% ₹82 Cr 330,203 National Aluminium Co Ltd (Basic Materials)
Equity, Since 28 Feb 22 | 5322344% ₹74 Cr 1,928,199 Coal India Ltd (Energy)
Equity, Since 31 Mar 22 | COALINDIA3% ₹69 Cr 1,533,115 Indian Oil Corp Ltd (Energy)
Equity, Since 31 May 25 | IOC3% ₹59 Cr 4,371,802 2. Aditya Birla Sun Life Small Cap Fund
Aditya Birla Sun Life Small Cap Fund
Growth Launch Date 31 May 07 NAV (29 May 26) ₹91.2669 ↓ -0.48 (-0.52 %) Net Assets (Cr) ₹5,253 on 30 Apr 26 Category Equity - Small Cap AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.89 Sharpe Ratio 0.46 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹11,739 30 Apr 23 ₹11,873 30 Apr 24 ₹17,901 30 Apr 25 ₹17,616 30 Apr 26 ₹20,224 Returns for Aditya Birla Sun Life Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 May 26 Duration Returns 1 Month 2.4% 3 Month 8.6% 6 Month 5.6% 1 Year 8.8% 3 Year 17.7% 5 Year 13.9% 10 Year 15 Year Since launch 12.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 -3.7% 2024 21.5% 2023 39.4% 2022 -6.5% 2021 51.4% 2020 19.8% 2019 -11.5% 2018 -22.6% 2017 56.7% 2016 9.7% Fund Manager information for Aditya Birla Sun Life Small Cap Fund
Name Since Tenure Abhinav Khandelwal 31 Oct 24 1.5 Yr. Dhaval Joshi 21 Nov 22 3.44 Yr. Data below for Aditya Birla Sun Life Small Cap Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Financial Services 20.97% Consumer Cyclical 16.63% Industrials 14.59% Health Care 12.84% Basic Materials 11.5% Consumer Defensive 8.52% Real Estate 4.06% Technology 2.78% Utility 1.57% Asset Allocation
Asset Class Value Cash 6.55% Equity 93.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity Navin Fluorine International Ltd (Basic Materials)
Equity, Since 31 Jul 20 | NAVINFLUOR3% ₹157 Cr 230,000 TD Power Systems Ltd (Industrials)
Equity, Since 30 Jun 23 | TDPOWERSYS3% ₹151 Cr 1,312,944 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 Dec 24 | MCX3% ₹142 Cr 478,000 Sai Life Sciences Ltd (Healthcare)
Equity, Since 30 Jun 25 | SAILIFE3% ₹138 Cr 1,286,665 CCL Products (India) Ltd (Consumer Defensive)
Equity, Since 31 May 20 | CCL2% ₹120 Cr 1,060,480
↓ -18,345 PNB Housing Finance Ltd (Financial Services)
Equity, Since 31 Aug 24 | PNBHOUSING2% ₹113 Cr 1,081,130 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 31 May 20 | RADICO2% ₹112 Cr 327,373
↑ 28,225 Arvind Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 5001012% ₹105 Cr 2,642,013 Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Mar 25 | UJJIVANSFB2% ₹97 Cr 17,107,129 Shaily Engineering Plastics Ltd (Basic Materials)
Equity, Since 31 Oct 25 | 5014232% ₹91 Cr 360,000
↑ 55,000 3. Invesco India Growth Opportunities Fund
Invesco India Growth Opportunities Fund
Growth Launch Date 9 Aug 07 NAV (29 May 26) ₹100.38 ↓ -1.08 (-1.06 %) Net Assets (Cr) ₹9,761 on 30 Apr 26 Category Equity - Large & Mid Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.82 Sharpe Ratio 0.23 Information Ratio 0.83 Alpha Ratio 2.57 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹11,518 30 Apr 23 ₹12,089 30 Apr 24 ₹18,173 30 Apr 25 ₹20,803 30 Apr 26 ₹22,611 Returns for Invesco India Growth Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 May 26 Duration Returns 1 Month 1.1% 3 Month 2.2% 6 Month -3.3% 1 Year 5.5% 3 Year 22.4% 5 Year 17.1% 10 Year 15 Year Since launch 13% Historical performance (Yearly) on absolute basis
Year Returns 2025 4.7% 2024 37.5% 2023 31.6% 2022 -0.4% 2021 29.7% 2020 13.3% 2019 10.7% 2018 -0.2% 2017 39.6% 2016 3.3% Fund Manager information for Invesco India Growth Opportunities Fund
Name Since Tenure Aditya Khemani 9 Nov 23 2.48 Yr. Data below for Invesco India Growth Opportunities Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Financial Services 29.34% Health Care 19.45% Consumer Cyclical 18.71% Industrials 15.54% Real Estate 6.26% Basic Materials 4.7% Technology 2.68% Communication Services 2.01% Asset Allocation
Asset Class Value Cash 1.29% Equity 98.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | MAXHEALTH7% ₹594 Cr 6,175,405 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO6% ₹486 Cr 1,233,441
↑ 75,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Jun 23 | 5433205% ₹435 Cr 18,980,746
↑ 2,505,437 BSE Ltd (Financial Services)
Equity, Since 31 Oct 23 | BSE5% ₹424 Cr 1,580,775 Sai Life Sciences Ltd (Healthcare)
Equity, Since 31 Dec 24 | SAILIFE5% ₹416 Cr 4,283,799 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK4% ₹378 Cr 3,131,658
↑ 412,951 Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 5002514% ₹359 Cr 1,089,122 Glenmark Pharmaceuticals Ltd (Healthcare)
Equity, Since 30 Apr 24 | 5322963% ₹286 Cr 1,342,939 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Nov 22 | FEDERALBNK3% ₹285 Cr 10,987,013 ABB India Ltd (Industrials)
Equity, Since 30 Jun 23 | ABB3% ₹276 Cr 465,045
↑ 12,293 4. Franklin Build India Fund
Franklin Build India Fund
Growth Launch Date 4 Sep 09 NAV (29 May 26) ₹144.114 ↓ -2.15 (-1.47 %) Net Assets (Cr) ₹3,214 on 30 Apr 26 Category Equity - Sectoral AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 2.01 Sharpe Ratio 0.37 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹12,746 30 Apr 23 ₹14,773 30 Apr 24 ₹26,326 30 Apr 25 ₹26,665 30 Apr 26 ₹29,695 Returns for Franklin Build India Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 May 26 Duration Returns 1 Month -3.2% 3 Month -3.1% 6 Month -0.5% 1 Year 3.9% 3 Year 24.1% 5 Year 21.3% 10 Year 15 Year Since launch 17.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 3.7% 2024 27.8% 2023 51.1% 2022 11.2% 2021 45.9% 2020 5.4% 2019 6% 2018 -10.7% 2017 43.3% 2016 8.4% Fund Manager information for Franklin Build India Fund
Name Since Tenure Ajay Argal 18 Oct 21 4.54 Yr. Kiran Sebastian 7 Feb 22 4.23 Yr. Sandeep Manam 18 Oct 21 4.54 Yr. Data below for Franklin Build India Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Industrials 31.88% Utility 16.03% Financial Services 14.02% Energy 13.73% Communication Services 7.21% Basic Materials 7.11% Real Estate 2.27% Consumer Cyclical 1.15% Technology 1.04% Asset Allocation
Asset Class Value Cash 5.57% Equity 94.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 20 | LT7% ₹210 Cr 600,000
↓ -65,000 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 19 | 5003127% ₹194 Cr 6,825,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 21 | RELIANCE6% ₹169 Cr 1,260,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 29 Feb 20 | INDIGO6% ₹166 Cr 420,000 NTPC Ltd (Utilities)
Equity, Since 30 Nov 16 | 5325556% ₹163 Cr 4,400,000
↑ 421,273 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 09 | BHARTIARTL4% ₹127 Cr 710,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 21 | 5328984% ₹121 Cr 4,100,000
↑ 500,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 25 | HDFCBANK4% ₹119 Cr 1,625,000
↑ 125,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | 5322154% ₹116 Cr 1,000,000 Tata Power Co Ltd (Utilities)
Equity, Since 31 Jan 25 | 5004003% ₹83 Cr 2,200,000
↑ 200,000 5. Kotak Equity Opportunities Fund
Kotak Equity Opportunities Fund
Growth Launch Date 9 Sep 04 NAV (29 May 26) ₹337.59 ↓ -5.45 (-1.59 %) Net Assets (Cr) ₹30,251 on 30 Apr 26 Category Equity - Large & Mid Cap AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.6 Sharpe Ratio 0.18 Information Ratio -0.17 Alpha Ratio 1.08 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹11,859 30 Apr 23 ₹12,829 30 Apr 24 ₹18,538 30 Apr 25 ₹19,328 30 Apr 26 ₹20,761 Returns for Kotak Equity Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 May 26 Duration Returns 1 Month -2% 3 Month -5.1% 6 Month -4.7% 1 Year 1.5% 3 Year 15.6% 5 Year 14.5% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.6% 2024 24.2% 2023 29.3% 2022 7% 2021 30.4% 2020 16.5% 2019 13.2% 2018 -5.6% 2017 34.9% 2016 9.6% Fund Manager information for Kotak Equity Opportunities Fund
Name Since Tenure Harsha Upadhyaya 4 Aug 12 13.75 Yr. Data below for Kotak Equity Opportunities Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Financial Services 29.31% Industrials 17.11% Consumer Cyclical 11.93% Basic Materials 11.81% Health Care 7.97% Technology 5.79% Energy 4.87% Communication Services 2.97% Utility 2.64% Consumer Defensive 1.42% Real Estate 0.26% Asset Allocation
Asset Class Value Cash 2.09% Equity 97.91% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 23 | HDFCBANK5% ₹1,427 Cr 19,500,000 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN4% ₹1,224 Cr 12,500,000 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 18 | BEL4% ₹1,122 Cr 28,000,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 10 | ICICIBANK3% ₹844 Cr 7,000,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | 5433203% ₹801 Cr 35,000,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | 5322153% ₹720 Cr 6,200,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 28 Feb 21 | BHARTIARTL2% ₹677 Cr 3,800,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 13 | LT2% ₹648 Cr 1,850,000 Ashok Leyland Ltd (Industrials)
Equity, Since 31 Aug 22 | 5004772% ₹647 Cr 42,000,000
↑ 10,780,000 Hero MotoCorp Ltd (Consumer Cyclical)
Equity, Since 30 Nov 20 | HEROMOTOCO2% ₹620 Cr 1,225,000
SIP Return Calculator
The returns of SIP keep on varying. However, assuming the historical rate of returns being 15%, let’s see how the SIP investment of INR 1,000 grows over a period of 12 months.
FD Calculator
The FD rates also keep on varying from bank to banks. However, assuming the interest rate to be 6%, let us see how the FD will perform over a period of 12 months if the investment amount is INR 1,000.
How to Invest in MF SIP Online?
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Conclusion: SIP or FD
To conclude, it can be said that SIP has more advantages as compared to FD. However, it is always advised to people that they understand a scheme’s functioning completely before investing. In addition, they can even consult a personal financial advisor to ensure that their investment is safe and their objectives are met.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Research Highlights for DSP Natural Resources and New Energy Fund